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ICS celebrates very important people

09-10-2015 Hits:78

ICS celebrates very important people

Evelyn Zam is happy to have her Grandmas at school with her. The hallways were a buzz on Friday, September 25, at Immaculate Conception School as many V.I.P.s were invited...

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Apple Festival: Oak Harbor

08-10-2015 Hits:158

Apple Festival: Oak Harbor

Photo from 2014's Apple Festival The Oak Harbor Area Chamber of Commerce is celebrating its 37th annual Apple Festival October 10-11 in downtown Oak Harbor. There is no admission fee for...

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Sen. Brown Great Lakes Legislator of the…

08-10-2015 Hits:218

Sen. Brown Great Lakes Legislator of the Year

U.S. Sen. Sherrod Brown (D-OH) was named Great Lakes Legislator of the Year by the Great Lakes Maritime Task Force. The award is presented annually by the Great Lakes Maritime...

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Individual retirement account basics

A traditional Individual Retirement Account (IRA) is an account that has been funded by pretax dollars that are held by a custodian until you reach the age of retirement. With Baby boomers reaching that age, these accounts will become very important in determining when a person can retire and continue to have sufficient assets to live a comfortable life.  Until now,   many people never paid much attention to this account because they knew that they could not use the funds.  Setting aside the fact that these funds have greatly declined in value over the past two years, it is imperative that one understands how these accounts function and what check list should be used to insure that everything with the account is in order.

Structure of the account

This account is in your personal name. The funds are held by a custodian who is the plan administrator. This account has a named beneficiary designation.   Everyone should have a written copy of the beneficiary designation form for each account. Most married individuals have their spouse as the beneficiary. When I ask who the second beneficiary is or a contingent beneficiary they do not know. Be sure to have someone named and also be sure to have written proof of the named beneficiaries.  With all of the banks merging, going out of business and just changing names, your actual documentation can be lost in the shuffle. It is recommended that you contact the custodian of your IRA and ask for proof of beneficiaries.   Determine if your form is complete with a written primary beneficiary and a contingent beneficiary. 


McIntire attends Social Security seminar

Chris McIntire, President and Founder of McIntire Retirement Services with offices in Perrysburg, Fremont and Port Clinton, recently attended a two-day Social Security seminar in Cincinnati. Premier Living, a Social Security consulting firm based out of Sharonville, Ohio, held the

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